Pension Calculator (2026) - state, occupational, private
Estimate your retirement income from state pension (allmän pension), occupational pension (tjänstepension), and private savings.
FAQ
What does the pension calculator estimate?
It estimates monthly retirement income from three sources: state pension, occupational pension, and private savings. You enter birth year, salary, years worked, occupational pension level, and private monthly savings.
Is the result guaranteed?
No. This is a simplified projection based on your assumptions. Real outcomes depend on returns, rules, fees, inflation, and your future income.
How does retirement age affect the result?
Retiring later often increases the estimated monthly pension because you contribute for longer and the payout period may be shorter, depending on how benefits are paid.
How can I improve my future pension?
Common levers are saving more privately, working longer, checking your occupational pension agreement, and choosing a realistic return assumption.
Does this include tax, fees, or inflation?
No. Results are simplified and don’t model taxes or fees. For a more conservative plan, try a lower expected return.
Plan your retirement for 2026
Our pension calculator helps you estimate your future retirement income from all three Swedish pension pillars: state pension (allmän pension), occupational pension (tjänstepension from your employer), and private pension savings. By entering your birth year, average salary, years worked, and savings, you get a realistic picture of your future retirement finances.
The three pension pillars in Sweden
The Swedish pension system consists of three parts. State pension is public and based on your earned pension rights during working life, approximately 16% of your salary. Occupational pension is contractual pension from your employer, typically 4.5% of salary but can vary. Private pension is your own savings, such as in pension funds, stocks or investment savings accounts. Together, the three pillars provide your total retirement income.
Plan for a secure retirement
With our pension calculator, you can test different scenarios to reach your desired retirement level. Try adjusting private monthly savings, test different return rates, or change retirement age to see how it affects your future pension. Remember that pension is often lower than your current salary, so it's important to start planning early.
Retirement planning: a quick guide
Pensions can feel complicated, but in Sweden it helps to think in three pillars:
- State pension (public)
- Occupational pension (through your employer)
- Private savings (your own)
This calculator gives you a simplified estimate of your future monthly pension, and how much each pillar contributes.
How to use the pension calculator
- Enter your birth year and an approximate average monthly salary.
- Add how many years you expect to work.
- Set the occupational pension level (percentage).
- Add private monthly savings and an expected return.
- Choose a retirement age.
You’ll get an estimated monthly pension and a breakdown across the three components.
Key things to keep in mind
- It’s a projection: Rules, fees, inflation, and future salary changes affect the real outcome.
- Occupational pension varies: Contribution rates and agreements differ by sector and employer.
- Retirement age matters: Working a few extra years can noticeably increase the monthly estimate.
Three ways to improve your pension outlook
- Save more privately (even small amounts can compound over time).
- Work longer if possible.
- Review your occupational pension (fees, risk level, and how it’s invested).
Conservative assumptions
For a more cautious plan:
- try a lower expected return
- consider a slightly higher retirement age
- increase private savings to build a buffer
This usually makes the plan more resilient to uncertainty.
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